Function:
Role Objective
Loan Against Property (LAP)
Key Responsibilities
Business Development & Sales
- Acquire new customers through multiple channels such as
DSAs, connectors, brokers, and direct sourcing
. - Drive LAP business with focus on
self-sourcing and channel activation
. - Achieve monthly and quarterly
disbursement targets
. - Build and manage a strong
pipeline of secured lending opportunities
.
Channel Management
- Identify, onboard, and manage
DSA / Channel Partners
for business sourcing. - Ensure productivity and activation of channel partners.
- Maintain long-term relationships to drive consistent business flow.
Customer Handling
- Understand customer financial requirements and propose suitable LAP solutions.
- Coordinate with credit, legal, and technical teams for faster processing.
- Ensure a seamless customer experience from
lead generation to disbursement
.
Credit & Risk Coordination
- Conduct initial
customer profiling and eligibility assessment
. - Ensure proper documentation and adherence to internal compliance norms.
- Work closely with credit teams to improve approval rates while maintaining risk standards.
Portfolio Quality
- Maintain healthy portfolio quality with focus on
low delinquency and minimal NPAs
. - Monitor early warning signals and support collections where required.
Market Intelligence
- Track competitor offerings, interest rates, and market trends.
- Identify opportunities for business expansion in assigned geography.
Key Performance Indicators (KPIs)
- Disbursement volume ( value)
- Number of files logged and approved
- Self-sourcing ratio
- Channel productivity
- Portfolio quality (Delinquency / Bounce %)
- Conversion ratio (Login to disbursement)
Eligibility Criteria
Education
- Graduate / Postgraduate (MBA preferred)
Experience
- 3-8 years of experience in
secured lending (LAP / Mortgage Loans / Housing Loans)
- Proven track record in managing
ticket sizes 10 Lakhs 3 Crore
Key Skills & Competencies
- Strong
sales and negotiation skills
- Deep understanding of
secured lending products
- Channel / DSA management expertise
- Good knowledge of
credit policies and documentation
- Relationship building and stakeholder management
- Result-oriented with strong execution ability
Preferred Candidate Profile
- Candidates with an existing
DSA/connector network
will be preferred - Strong local market knowledge
- Ability to work in a target-driven environment
Compensation
- Competitive fixed salary + performance incentives + reimbursement as per company policy
Contact person : Somenath 6289598868
Perks and benefits
Performance bonus, Medical Insurance, Term life insurance, Accident insurance and Petrol allowance
